VIRTUAL POINT CALCULATION CENTRE Russian patent published in 2013 - IPC G06Q30/02 G06Q50/10 

FIELD: information technology.

SUBSTANCE: system for returning micropayments, having machine-readable components for implementing the method, involving creating a contact between a micropayment issuer and a second commodity supplier, wherein the micropayment is configured for return for a first commodity of a first commodity supplier, reporting to a user interface on a second commodity offered by the second commodity supplier, receiving micropayments, returning micropayments to obtain the second commodity, tracking micropayments returned by the second commodity supplier, and billing the micropayment issuer by an amount of money.

EFFECT: obtaining various products and services for a micropayment which do not correspond to products and services of the micropayment issuer.

18 cl, 12 dwg